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Sparky
This.
What you're proposing only seems to solve this one issue;
Personal question I know, but would you be willing at some point to get married or enter into a civil partnership? If so wait until then.
Either way, my 2p is that it would be a lot simpler to draft a Declaration of Trust/ similar agreement governing the terms of her cash contribution and rights in the property.
Obviously it is best done properly by a solicitor, but if you've been co-habiting with her contributing to the property she may already have property rights, so a simple DIY written agreement listing the terms would give her a solid basis* for a claim if the worst happens.
It can also potentially be kept private between the two of you, giving you more flexibility.
*as well as making sure you both know where you stand.